CFPB · Lower closed-with-relief share
National Credit Systems,Inc.
20.0K CFPB complaints · 0% relief (low band) · top issue Attempts to collect debt not owed.
National Credit Systems,Inc. closes 0% with relief (lower third) on 20.0K filings. Timely 98.7% · top product Debt collection. Allegations, not findings.
- Lower closed-with-relief share
- +5839.7% filings 2013 to 2026
CFPB relief outcome brief
CCDB company national-credit-systems-inc
0% relief · 98.7% timely · 20.0K filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
National Credit Systems,Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
National Credit Systems,Inc. scores strongest on timely response (98/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
98 / 100 percentile-benchmarked
98.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
96 / 100 percentile-benchmarked
97.7% of complaints closed with an explanation to the consumer
How 20.0K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
National Credit Systems,Inc. complaint mix by product
- Debt collection 16K 77.7% – 0% relief
- Credit reporting 3K 15.6% – 0% relief
- Credit reporting, 1K 6.2% – 0% relief
- Debt or 43 0.2% – 0% relief
- Credit reporting 39 0.2% – 0% relief
- Credit card 6 0.0% – 0% relief
- Mortgage 5 0.0% – 0% relief
Heavy-volume mix: how National Credit Systems,Inc.'s 20.0K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 15.6K |
| Credit reporting or other personal consumer reports | 3.1K |
| Credit reporting, credit repair services, or other personal consumer reports | 1.2K |
| Debt or credit management | 43 |
| Credit reporting | 39 |
| Credit card | 6 |
| Mortgage | 5 |
| Consumer Loan | 4 |
| Credit card or prepaid card | 3 |
| Money transfer, virtual currency, or money service | 3 |
| Checking or savings account | 2 |
| Bank account or service | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Payday loan | 1 |
| Vehicle loan or lease | 1 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for National Credit Systems,Inc.
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 21.8% of this company's filings
National Credit Systems,Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4.0K
- +5839.7% vs 2013
Volume vs. relief
Where National Credit Systems,Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, National Credit Systems,Inc. files more complaint volume than 89% of them, and closes complaints with relief more often than 0% of them, placing it in the quadrant for high volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 20,044 · Closed with relief: 0.0%
Top States
| State | Complaints |
|---|---|
| TX | 4.4K |
| GA | 3.0K |
| FL | 2.4K |
| NC | 1.3K |
| SC | 825 |
| CA | 616 |
| IL | 505 |
| OH | 505 |
| AL | 487 |
| AZ | 448 |
| MD | 412 |
| NY | 409 |
| MI | 404 |
| LA | 393 |
| TN | 387 |
| PA | 320 |
| VA | 304 |
| NV | 302 |
| CO | 283 |
| MS | 263 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 6.8K |
| False statements or representation | 2.8K |
| Written notification about debt | 2.8K |
| Incorrect information on your report | 2.3K |
| Took or threatened to take negative or legal action | 1.7K |
| Improper use of your report | 797 |
| Problem with a company's investigation into an existing problem | 753 |
| Cont'd attempts collect debt not owed | 508 |
| Communication tactics | 392 |
| Problem with a credit reporting company's investigation into an existing problem | 382 |
| Disclosure verification of debt | 318 |
| Threatened to contact someone or share information improperly | 82 |
| Electronic communications | 68 |
| Problem with a company's investigation into an existing issue | 66 |
| Improper contact or sharing of info | 44 |
| Incorrect information on credit report | 30 |
| Credit monitoring or identity theft protection services | 21 |
| Taking/threatening an illegal action | 16 |
| Problem with customer service | 15 |
| Identity theft protection or other monitoring services | 12 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 68 | 60.3% |
| 2014 | 223 | 94.2% |
| 2015 | 279 | 92.1% |
| 2016 | 380 | 93.4% |
| 2017 | 573 | 98.1% |
| 2018 | 555 | 91.9% |
| 2019 | 551 | 98.5% |
| 2020 | 714 | 98% |
| 2021 | 1.2K | 97.8% |
| 2022 | 1.1K | 97.3% |
| 2023 | 1.6K | 98.5% |
| 2024 | 3.0K | 99.9% |
| 2025 | 5.8K | 100% |
| 2026 | 4.0K | 99.9% |
Source: CFPB Consumer Complaint Database
National Credit Systems,Inc. in the lower-relief third
National Credit Systems,Inc.'s 20,044 logged complaints reach a nationwide footprint - 54 states have at least one filing. Only 37.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-26. Closed-with-relief 0% sits in the lower third of the corpus.
National Credit Systems,Inc. closes 0% with monetary or non-monetary relief and answers 98.7% inside the CFPB window; 97.7% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about National Credit Systems,Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for National Credit Systems,Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 20.0K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for National Credit Systems,Inc. (#38 of 342; 98.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lower closed-with-relief share